Salary Guide · 2026
Rhode Island Salary Guide (2026)
This guide explains how salaries are taxed in Rhode Island, what take-home pay looks like at different income levels, and how cost of living affects real purchasing power across major cities.
Rhode Island Income Snapshot
Individual median income
$49,100
-12% vs US median
Household median income
$82,834
US Census ACS 2023
Median take-home (annual)
$39,717
Eff. rate: 19.11%
Median monthly take-home
$3,310
Single filer, 2026
Income Tax Structure in Rhode Island
Tax system: Progressive state income tax (3.75%–5.99%)
Rhode Island has a moderate progressive income tax. Providence offers cultural amenities and a growing job market, and proximity to Boston creates additional career opportunities for commuters.
Take-Home Pay at Popular Salary Levels
Single filer · Standard deduction · RI state tax · 2026 IRS brackets
| Gross salary | Federal tax | State tax | FICA | Take-home | Monthly | Eff. rate |
|---|---|---|---|---|---|---|
| $60,000 | $5,094 | $2,250 | $4,590 | $48,066 | $4,006 | 19.89% |
| $90,000 | $11,154 | $3,501 | $6,885 | $68,460 | $5,705 | 23.93% |
| $130,000 | $20,114 | $5,401 | $9,945 | $94,540 | $7,878 | 27.28% |
| $180,000 | $32,114 | $7,824 | $13,770 | $126,292 | $10,524 | 29.84% |
Take-home as % of gross
Housing Affordability in Rhode Island Cities
Based on $130,000 salary · Rent: HUD FMR 2026 · COL: C2ER/ACCRA
Providence
COL: 1.18× · 1BR rent: $1,600/mo
Rent burden: 20.3% of take-home
Is $130,000 enough in Providence? →Cranston
COL: 1.10× · 1BR rent: $1,450/mo
Rent burden: 18.4% of take-home
Is $130,000 enough in Cranston? →Warwick
COL: 1.08× · 1BR rent: $1,400/mo
Rent burden: 17.8% of take-home
Is $130,000 enough in Warwick? →Pawtucket
COL: 1.05× · 1BR rent: $1,350/mo
Rent burden: 17.1% of take-home
Is $130,000 enough in Pawtucket? →East Providence
COL: 1.08× · 1BR rent: $1,400/mo
Rent burden: 17.8% of take-home
Is $130,000 enough in East Providence? →Woonsocket
COL: 0.98× · 1BR rent: $1,200/mo
Rent burden: 15.2% of take-home
Is $130,000 enough in Woonsocket? →Popular Salary Guides for Rhode Island
Is This Salary Enough in Rhode Island?
Frequently Asked Questions
Is $100,000 a good salary in Rhode Island?
A $100,000 salary in Rhode Island yields approximately $75,020 per year ($6,252/month) after federal and state taxes. In most Rhode Island cities, this is above the state individual median of $49,100 — generally a comfortable income.
How much state income tax do you pay in Rhode Island?
Rhode Island has Progressive state income tax (3.75%–5.99%). For a $90,000 salary, the estimated state income tax is $3,501. Your effective rate depends on your income level, filing status, and deductions.
What salary is considered middle class in Rhode Island?
The individual median income in Rhode Island is $49,100 and the household median is $82,834 (Census ACS 2023). Middle-class income typically ranges from 67%–200% of the household median, roughly $55,499–$165,668 for a family.
Data Sources
- •Tax calculations: IRS federal tax tables
- •Payroll taxes: Social Security Administration
- •Salary data: Bureau of Labor Statistics
- •Rent data: HUD Fair Market Rents
Data updated monthly using government datasets.